executive's in the web cor community and they built the beautiful oakland cathedral and acacademy of science and certainly at work on mass coney center expansion the early work on the warriors a marine eye and so many iconic projects in both northeastern and fortunately and southern california and wells fargo such an integral institution and part of of the fabric of our society and vaginal foalgee president the bay area region together encompassing this whole wide region for wells far going and we are soon going to hear from tim quinn written economist from wells far go and going to get some insight from him and a major focus and this says so much about the strength of our economy and the economy is small business lending and really promising news and 2012 wells far go expended scene billion dollars in that now loan commitments to small businesses across the united states over 30% in 2011 and that is great news so thank you wells fargo and many thanks to our partners in associations who always help us in promote things event it takes a villages to market deimagine. >> joseph markenson, md: a